Cheapest Insurance for a Ford Fusion in Georgia

Our editors keep telling us that when writing about auto insurance, the words cheap or affordable really shouldn’t be used anywhere to describe car insurance prices. Unfortunately, cheap car insurance for a Ford Fusion can seem impossible to find. Don’t let that spoil your day, because we will tell you how you can find coverage that you can fit into your budget.

Your chances of buying the cheapest auto insurance for a Ford Fusion in Georgia is dependent upon a pretty complex algorithm that uses a lot of factors like how far you commute, if you have ever had a coverage lapse, and if you have any chargeable driving offenses. Drivers pay an average of $1,010 a year to buy Ford Fusion insurance, but that amount is a valuation using a 50-year-old married female driver with full physical damage coverage and $500 deductibles.

This brings up the issue that more than likely you are not exactly 50 years old and possibly not even female, single instead of married, and you possibly have other drivers on your policy that need factored in. Having different needs demonstrates why the best method for finding cheap insurance rates for your Ford is to just compare rates yourself.

Insure Your Ford for Less

The trim level of your Fusion will have an impact the cost of insurance, so the price you pay to insure a Fusion S 4-Dr Sedan trim level will be $174 lower than the insurance cost for the higher-end Fusion Sport AWD 4-Dr Sedan trim level, as shown in the table below.

Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Price information does not factor in the specific area where the vehicle is garaged which can alter premiums noticeably.

Buying coverage from the highest-rated insurance provider is hard considering how many companies there are in Georgia. The company ratings displayed below may help you analyze which companies to look at when trying to find the cheapest insurance for a Ford Fusion.

The ratings below are only comprised of the largest auto insurers in America, so smaller regional companies are not taken into consideration for this list. To get rate quotes from these and other top-rated companies, click here.

Top 10 Large Car Insurance Companies in Georgia Ranked by Customer Service

1. USAA
2. Travelers
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Safeco Insurance
7. Progressive
8. State Farm
9. The Hartford
10. The General

Top Companies for Ford Fusion Insurance in Georgia

The chart below shows how different deductible levels can increase or decrease annual premium costs when searching for cheap insurance for a Ford Fusion. The price estimates are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 5513,4961,4367,3805],[‘Age 30’, 2803,2551,2259,1975],[‘Age 40’, 2813,2543,2237,1943],[‘Age 50’, 2549,2307,2033,1773],[‘Age 60’, 2461,2229,1969,1719],[‘Age 70’, 2955,2687,2395,2119]]);var options = {title: ‘Deductibles and Ford Fusion Insurance Rates in Georgia’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford Fusion’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

As shown above, a 30-year-old driver could pocket $576 a year by increasing from a $100 deductible to a $500 deductible, or save $870 by using a $1,000 deductible. Youthful drivers, like the age 20 example, could potentially save $1,708 every year by selecting a higher deductible. If you do make the decision to raise your deductibles, it is important to have spare funds to enable you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Why it’s important to shop around

Georgia auto insurance rates are impacted by many things that can increase the policy premium. Simply having another birthday, moving to a new city, or getting caught speeding can trigger changes in premium resulting in some rates now being more affordable than competitors.

Additionally, companies file new rates multiple times each year in order to remain profitable. An unexpected high level of claims may result in higher rates, while less frequent claims may cause cheaper Fusion insurance rates.

The graph below shows which company has the cheapest car insurance in Georgia for a 30-year-old female driver with no accidents or violations, and great credit. If we estimate rates based on her personal risk profile, Auto-Owners offers the cheapest car insurance rates in Georgia at $830 a year. This is $699 less than the average policy premium paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife round out the rest of the top five cheapest Georgia auto insurance companies.

google.charts.setOnLoadCallback(drawGAWitcqcibChart);function drawGAWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Auto-Owners’, 830, ‘#0D6781’],[‘The Hartford’, 913, ‘#0A556B’],[‘USAA’, 968, ‘#084659’],[‘Central Mutual’, 1205, ‘#063A4A’],[‘MetLife’, 1226, ‘#05303D’]]);var options = {title: ‘Best Auto Insurance Rates for a Ford Fusion’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1326,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

Let’s now give the driver from the first example a chargeable claim, poor credit, and a speeding ticket. Because each company has a proprietary method to determine rates, getting updated rate quotes could result in a different list of companies as shown below.

google.charts.setOnLoadCallback(drawGAWcqcibChart);function drawGAWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘The Hartford’, 1369.5, ‘#DB7900’],[‘Georgia Farm Bureau’, 1428.9, ‘#B66400’],[‘USAA’, 1452, ‘#975300’],[‘Country’, 1530.1, ‘#7D4500’],[‘State Farm’, 1544.4, ‘#683900’]]);var options = {title: ‘Best Rates with Imperfect Driving Record’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1644.4,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

The Hartford now has the best insurance rate in Georgia with Georgia Farm Bureau, USAA, Country, and State Farm now being in the top five. This illustrates why it is important to compare rates when trying to find the best insurance rates for a Ford Fusion.

Car insurance prices can be determined by many different factors and change frequently, so the most affordable company the last time you compared rates may now be one of the higher cost companies.

Who has the cheapest Ford Fusion insurance quotes?

You have a lot of ways to compare cheaper auto insurance rates in Georgia, but the most preferred ways are from an independent agent, an exclusive insurance agent such as Allstate or State Farm, or from a direct company like Progressive or Geico.

They all follow the same basic process, but each is slightly different in how they give price quotes.

Independent insurance agencies write business for many companies and can get rate quotes from each one. They do not write with just one company and can get prices from more than one company, which can give you improved odds of finding cheaper coverage. If cheaper coverage is found, the business is moved internally and you do not have to find a new agent.

An exclusive agent is only able to write business for a single company, examples being a Liberty Mutual or State Farm agent. Exclusive agents cannot compare rates from other companies, so it’s a good idea to get additional price quotes.

The last way is buying direct, which means you do not use a local insurance agent and instead shop direct either online or via phone. Shopping for auto insurance direct may be a decent choice families who have limited assets and have a decent understanding of what is covered and what is not.

So which of the methods works best to find the cheapest insurance for a Ford Fusion in Georgia? The obvious answer would be shopping direct yields the cheapest rates since there is no need to pay agent commissions, but unfortunately, that is not always true. It would also be easy to say an independent agent guarantees the best prices since they can quote with many companies, but that idea is not necessarily true either. In some circumstances, exclusive agencies have really good rates that cannot be met by either independent or direct companies.

Due to the fact that auto insurance rates vary so much, the best method to make sure you’re not overpaying for auto insurance is to get quotes and compare the rates. Make the effort to get prices from all three to give yourself the best selection. To see some of the cheapest online companies available, click here to view.

Ideas for finding more affordable auto insurance for a Ford Fusion

The list below details many penny-pinching solutions that can help drivers quote cheap coverage.

• Drive attentively and avoid accidents
• Clean up your credit
• Avoid filing excessive claims
• Safe vehicles cost less to insure
• You will pay more if you get tickets or have at-fault accidents
• Compare rates regularly to ensure the best deal

The last tip in the list is highly critical, as we emphasized in the prior article. Auto insurance prices can change considerably based on profitability, so drivers shouldn’t be reluctant to change to a new company if you find a better deal.

Many consumers stick with the same company and that’s fine, but is isn’t recommended if that loyalty ends up costing hundreds of dollars a year. Take a few minutes and shop around to find cheaper car insurance for a Ford Fusion.